Business Owner Policy (BOP)

Protect Your Whole Business in One Policy

Most businesses need two things covered: the claims they could face and the property they’ve invested in. A Business Owner’s Policy (BOP) puts both in one place, combining General Liability with Property Coverage, usually for less than buying them apart. At Omega Insurance, we help you find a Business Owner’s Policy (BOP) that fits your industry, your space, and the equipment you rely on every day. From LLCs and local businesses to established companies across the country, our team has helped hundreds of owners protect what they’ve built. Get a free quote and compare your options with an agency that understands your business.

What Does Business Owner Policy (BOP) cover?

General Liability

Helps cover customer injuries, property damage, and legal costs from third-party claims against your business.

Commercial
Property

Protects your building, equipment, and inventory from events like fire, theft, vandalism, and storms.

Business
Income

Helps replace lost income if a covered event forces you to pause or shut down operations.

Equipment & Inventory

Covers the tools, stock, and business property you depend on to keep things running.

Extra Expense

Helps cover certain additional costs needed to keep your business running or reopen faster after a covered loss.

Customizable Add-Ons

Tailor your policy with extra coverage, like Professional Liability or Cyber as your business grows.

More Ways to Protect Your Business

General Liability Insurance

Workers’ Compensation Insurance

Commercial Auto Insurance

Professional Liability Insurance (E&O)

LLC Formation Services

Industries We Also
Protect

Contractors & Construction Companies in SC

Restaurants & Food Trucks in SC

Beauty Salons & Barber Shops in SC

Lawn Care & Landscaping in SC

Auto Repair & Detailing in SC

Truckers & Owner-Operators in SC

One Policy for What You Do and What You Own

Get your Business Owner’s Policy (BOP) quote today.

When Do You Need a Business Owner’s Policy?

If you rent or own a workspace, carry inventory, or rely on equipment to do your job, a Business Owner’s Policy (BOP) is often the smartest way to cover your business. It bundles the General Liability protection many landlords and clients require with the Property Coverage that protects what you own, usually for less than buying each policy on its own. At Omega, we walk you through your options, compare carriers, and help you find a BOP that fits your industry, your risks, and your budget.

Two Coverages, One Simple Policy

Guidance Before You Quote

More Options, Better Value

Here for You When a Claim Hits

Years of combined experience

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What our clients say

      
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Get Your Business Owner’s Policy (BOP) Quote

We help you find a Business Owner’s Policy (BOP) that bundles the coverage your business actually needs. Our team reviews options across trusted carriers to find protection that matches your industry, your property, and your budget.

Fill in your details and an Omega agent will reach out to review the option that fits your business best.

Business Owner Policy (BOP) FAQs

What’s the difference between a Business Owner’s Policy (BOP) and General Liability?

General Liability covers third-party claims like injuries and property damage. A BOP includes that same liability coverage and adds protection for your own property and lost income, all in one policy.

How much does a BOP cost?

It depends on your industry, location, property value, and coverage limits. Because a Business Owner’s Policy (BOP) bundles coverages, it’s often cheaper than buying them separately. At Omega, we compare options to fit your budget.

Who needs a Business Owner’s Policy?

A Business Owner’s Policy (BOP) is a smart fit for small and mid-sized businesses that rent or own space, carry inventory, or rely on equipment, especially those that work directly with customers.

Does a Business Owner’s Policy (BOP) include Workers’ Comp or Commercial Auto?

No. A Business Owner’s Policy (BOP) covers liability and property, but Workers’ Comp and Commercial Auto are separate policies. We can help you bundle everything your business needs in one place.

Can I add more coverage to my Business Owner’s Policy (BOP) later?